Senior Fraud Operations Specialist

At Axiom Bank, we encourage you to aim for the sky and leverage your expertise and passion to excel. We are a growing, dynamic organization – this is an exciting time to get on board!

We believe in the value of promoting a healthy work/life balance and are committed to recognizing the role everyone plays in our ongoing success. We offer the following benefits to our Full Time Employees:

• 12 Paid Holidays
• Generous Paid Time Off
• 4% Match on our 401(k)
• Medical, Dental and Vision Benefits
• 100% Company Paid Life, AD&D Insurance, Short and Long Term Disability

The Senior Fraud Operations Specialist is responsible for leading complex fraud investigations and resolving consumer-reported fraud claims in accordance with Regulation E (Reg E). This role also monitors and analyzes high-risk activity across ACH, checks, deposits, wires, P2P, and online banking to identify and mitigate fraud exposure. The senior specialist acts as an escalation point for complex cases, supports audit and compliance efforts, and contributes to departmental training and process improvement. This position assists the Fraud Operations Manager in ensuring adherence to Bank policies, regulatory requirements, and internal quality standards.

Key Responsibilities and Accountabilities

• Investigate and resolve Reg E debit card fraud claims, including complex and high-dollar cases.
• Monitor daily fraud reports and alert queues to identify abnormal activity across ACH, check, deposit, wire, P2P, and online banking channels.
• Analyze account activity to detect indicators of account takeover, synthetic identity, or repeated unauthorized use.
• Handle inbound and outbound calls related to fraud alerts to verify transactions and gather necessary information.
• Issue provisional and final credits in accordance with regulatory guidelines and internal timelines.
• Maintain thorough documentation of fraud claims, investigative actions, decisions, and outcomes.
• Escalate and consult on emerging fraud trends or systemic issues with the Fraud Operations Manager.
• Collaborate with banking centers, operations teams, and third-party service providers as needed during fraud reviews.
• Assist with general ledger reconciliation, chargeback preparation, and fraud loss tracking.
• Train and mentor junior fraud staff and contribute to internal knowledge sharing.
• Support process documentation, policy updates, and preparation for audits or compliance reviews.
• Participate in fraud trend analysis, case reviews, and continuous improvement initiatives.

Supervision of Personnel

• None

Working Conditions

• The incumbent will be expected to be able to work Monday through Friday and work will mainly be performed at the Maitland, Florida location with the opportunity of a hybrid work arrangement; occasional evening and weekend work may be required.

Qualifications Summary

Education

• High School Diploma or GED equivalent; 2-years College in Business-related field preferred.

Experience

• Minimum of 2–3 years of fraud operations or investigation experience within a financial institution.
• Direct experience handling Reg E debit card disputes and cross-channel fraud detection.

Knowledge and Skills

• Strong understanding of Reg E regulatory requirements, fraud claim workflows, and dispute resolution practices.
• Ability to identify patterns in unauthorized activity across multiple payment and digital channels.
• Clear and professional verbal and written communication skills.
• Proven ability to manage competing deadlines and resolve escalated cases accurately and efficiently.
• Strong judgment and analytical skills in assessing risk and making fraud decisions.
• Leadership qualities with the ability to coach and guide junior staff.
• Proficiency in Microsoft Office Suite, including Outlook, Word, and Excel.
• Ability to adapt in a fast-paced, compliance-driven environment.

Other Duties - Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

(Reasonable accommodations may be made to enable individuals with disabilities to perform these tasks. If you need an accommodation, please contact us at hr@axiombanking.com)

Axiom Bank does not discriminate in employment opportunities or practices on the basis of any protected status. It is the policy of Axiom Bank to conduct background, credit reference and drug screening tests as a condition of employment. Drug Free Workplace. EOE/AA/Minority, Female, Disabled, Veteran

Axiom Bank is not seeking assistance or accepting unsolicited resumes from search firms for employment or contractor opportunities. Any resumes submitted without a valid contract will be considered the sole property of Axiom Bank and no fee will be paid.